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100 ways to slightly improve your life without really trying
January 10, 2022
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How 7 people spent their money when they didn’t have to pay student loans
January 10, 2022
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At the outset of the pandemic, millions of Americans with federal student loans were granted a brief reprieve: Donald Trump’s administration waived interest rates and allowed borrowers to pause their payments, initially for 60 days and then until January 2021. The pause was extended by President Joe Biden, first through January 2022 and now through May 1.
Some 45 million Americans owe more than $1.7 trillion in private and public student loan debt, according to the Federal Reserve. Most student loans are federal, but an estimated $140 billion — about 8 percent of loans owed — are private. The average student debt for a bachelor’s degree hovers around $29,000, according to NerdWallet, and around $71,000 for a graduate degree. Based on data from the New York Fed, the average balance overall, regardless of degree, is about $35,000.
Until recently, the student loan freeze was set to expire at the end of January 2022. The White House initially resisted pressure from Democrats to extend it, declaring that it’s time for business to get back to normal. On December 10, White House press secretary Jen Psaki said at a press briefing that “a smooth transition back into repayment is a high priority for the administration.” However, on December 22, the Biden administration reversed course under continued pressure. In the coming months, the administration said, it will make sure borrowers “have the support they need to transition smoothly back into repayment” in May.
President Biden has resisted calls for him to cancel student debt through executive action — some Democrats on the Hill have urged him to forgive up to $50,000. And while Biden has publicly expressed his support for student loan forgiveness on the campaign trail, the president wants Congress to take the first step.
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Missed News 777
January 10, 2022
Crime, Food For Thought, Human Interest, Medical, missed News, Political, Science, Technical amazon, business, Business News, current-events, Future, Hotels, human-rights, medicine, mental-health, research, Science, Science News, technology, Technology News, travel, vacation Leave a comment

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The Six Morning Routines that Will Make You Happier, Healthier and More Productive
January 9, 2022
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Of all the different things you can try to improve your productivity, a morning routine is one of the most effective.
There are a few reasons why morning routines are so useful. The first is obvious to anyone who has ever procrastinated, just getting started is often the hardest part. If you can start out with the right momentum towards your goals, you’ll avoid wrestling with yourself in the morning to get started.
The second is that the morning, particularly before the workday officially begins, is a quiet time with fewer social obligations. For many of us, the rest of the day can present a chaotic, ever-changing blast of responsibilities, urgent errands, and unexpected interruptions. The morning, in contrast, is often the most consistent part of your day.
Morning routines also set the tone for your upcoming day. Do you want your workday to begin quiet and contemplative? With vigorous exercise? Silent meditation? Creative and productive? Your morning habit can push you along a current which will carry throughout the morning and allow you to maximize whatever aspect of your personality you want to be most important.
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Good morning!
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A beginner’s guide to how cryptocurrencies work
January 9, 2022
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Whether you’re on the head or tail end of the cryptocurrency craze, one thing is for sure: These digital assets are hitting the mainstream hard, and don’t seem to be going away anytime soon. Notably, the country of El Salvador recently adopted bitcoin as legal tender, and New York’s incoming mayor Eric Adams is intent on transforming New York City into a hotspot for cryptocurrency. Although only 16 percent of Americans say they invested, traded, or used cryptocurrency, almost 90 percent have heard about it, according to a recent Pew Research Center survey.
Advocates for cryptocurrency and decentralized finance (where people can make financial deals with one another without being moderated by a middleman or central authority like a bank) in general argue that these platforms are transparent and simultaneously anonymous—both good things.
The key to this vision lies in a digital technology called the blockchain, which undergirds all cryptocurrencies. The blockchain serves as a virtual hall of records, or a public ledger, that records every transaction, detailing the amount as well as the sender and receiver’s wallet addresses.
Yet, critics and regulatory bodies are worried about the potential for harm from cryptocurrencies, such as people using them for scams, money laundering, or funding illegal activities (not to mention the enormous carbon footprint that some of these cryptocurrencies have—The New York Times reported that Bitcoin burns through more electricity than certain countries). And experts have raised concerns about the strength of cryptocurrency networks against attacks, and whether the design of some systems have warped over time to become centralized or inherently allow the rich to get richer.
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How do cryptocurrencies work?. Brian Wangenheim / Unsplash
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Ahmaud Arbery killers get life in prison sentence
January 8, 2022
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The three men convicted of killing Ahmaud Arbery have been sentenced.
Travis McMichael, 35, was sentenced to life without possible parole. He delivered the deadly shot and was convicted on all nine charges: malice murder, four counts of felony murder, aggravated assault with a shotgun, aggravated assault with a pickup truck, false imprisonment and criminal intent to commit a felony.
McMichael’s father, Gregory McMichael, 65, was also sentenced to life without the possiblilty of parole. The former Georgia police officer was found not guilty of malice murder but was convicted on the remaining charges, including the felony murder counts.
The McMichaels’ neighbor, William “Roddie” Bryan, 53, was sentenced to life with the possibility of parole. He was found guilty of three of the felony murder counts as well as charges of aggravated assault with his pickup truck, false imprisonment and criminal intent to commit a felony.
“On February 23, 2020, almost two years ago, a resident of Glynn County, a graduate of Brunswick High, a son, a brother, a young man with dreams was gunned down in this community,” said Judge Timothy Walmsley before delivering the sentences. “As we understand it, he left us home apparently to go for a run. And he ended up running for his life.”
He took a minute-long moment of silence during his remarks to demonstrate “only a fraction of the time” that Arbery was running from the three men who were chasing him for five minutes.
A Georgia jury in November, after deliberating for about 11 hours, convicted the three white men of chasing and fatally shooting Arbery, a 25-year-old Black man who was out on a Sunday jog in February 2020.
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Sidney Poitier, 1st Black man to win best actor Oscar, dies at 94
January 8, 2022
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Sidney Poitier, the Oscar-winning actor who brought quiet dignity to his characters on screen and helped break down the color barrier in Hollywood, has died. He was 94 years old.
Poitier’s death was confirmed by two Bahamian ministers. Deputy Prime Minister Chester Cooper told ABC News he was “conflicted with great sadness and a sense of celebration when I learned of the passing of Sir Sidney Poitier.”
MORE: Hollywood pays tribute to late Sidney Poitier: Oprah, Tyler Perry, Viola Davis, and more
“Sadness that he would no longer be here to tell him how much he means to us, but a celebration that he did so much to show the world that those from the humblest beginnings can change the world and that we gave him his flowers while he was with us,” he said.
Minister of Foreign Affairs Fred Mitchell also told ABC News, “We’ve lost a great Bahamian and I’ve lost a personal friend.”
Poitier became the first Black man to win an Academy Award for best actor in 1964 for his role in “Lilies of the Field.” He was perhaps best known for his role as a Black doctor engaged to a white woman in 1967’s “Guess Who’s Coming to Dinner,” in which he starred opposite Katharine Hepburn and Spencer Tracy.
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The Absurdity of Renting a Car Will No Longer Be Tolerated
January 7, 2022
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What do you expect will happen when you walk into a rental-car office? Do you think you’ll turn over your credit card and your driver’s license, and walk out with the keys to at least generally the type of car you’ve reserved, having agreed to at least roughly the fee that you were quoted? Or do you picture something else?
“I’m expecting chaos,” says the comedian Caleb Hearon, who travels semi-frequently for work. “The whole time I’ve been doing it, it has been brutal and weird.” Now, somehow, the situation has gotten even worse. Horror stories abound: of cars renting for $300 a day even in medium-sized cities; of lines out the door for cars that are not available, not present, or that might not even exist. Rental-car companies sold off huge chunks of their fleets and laid off thousands of employees during the early months of COVID-19 when demand was extremely low and they were experiencing big financial losses. More than a year later, they’re still having trouble replacing cars, because of supply-chain problems in the auto-manufacturing industry—most notably a prolonged semiconductor shortage. Demand is high, supply is low, you know the rest!
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Routine Maintenance
January 7, 2022
Business, Food For Thought, Human Interest, Science, Technical amazon, business, Business News, current-events, Future, Hotels, human-rights, medicine, mental-health, research, Science, Science News, technology, Technology News, travel, vacation Leave a comment

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Of all the attempts to pinpoint the origin of modernity—an exercise of which modernity never tires—my favorite begins with medieval monks. According to this account, it was the Benedictines who came up with the idea that it was possible to do the same thing, at the same time, every day. Although time was still widely regarded as fluid and coterminous with eternity, the monastery was governed by the rhythms of that most modern instrument: the clock. The monks rose together, ate together, and prayed together, starting and stopping each task at the appointed canonical hour.
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Illustrations by Miriam Martincic
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Missed News 776
January 7, 2022
Crime, Food For Thought, Human Interest, Medical, missed News, Political, Science, Technical amazon, business, Business News, current-events, Future, Hotels, human-rights, medicine, mental-health, research, Science, Science News, technology, Technology News, travel, vacation Leave a comment

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